Billing Rights

In Case of Errors or Questions About Your
Statement

If you believe that there is an error in your
monthly statement, we must hear from you no
later than 60 days after we sent you the first
statement on which the error or problem
appeared. You can telephone us, but by doing so
it will not preserve your rights.

Describe the error and explain, if you
can, why you believe there is an error. If
you need more information, describe the item
you are unsure about.

You do not have to pay any amount in question
while we are investigating, but you are still
obligated to pay the parts of your statement
that are not in question. While we investigate
your question, we cannot report you as
delinquent or take any action to collect the
amount you question.

In Case of Errors or Questions About Your
Electronic Transfers

Telephone or write us at our Office as soon
as you can if you think your statement is wrong
or if you need more information about a transfer
listed on the statement. We must hear from you
no later than 60 days after the FIRST statement
on which the problem or error appeared.

Tell us your name and account number.

Describe the error or the transfer you
are unsure about, explain as clearly as you
can why you believe there is an error or why
you need more information.

Tell us the dollar amount of the
suspected error.

We will investigate your complaint and will
correct any error promptly. If we take more than
10 business days to do this, we will recredit
your account for the amount you think is in
error so that you will have use of the money
during the time it takes us to complete our
investigation.